| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN SUMNER3 | 10099 NELLE AVENUE UNIT 1003 PENSACOLA, FL 32507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.43% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 2105 VESTIVIA LAKE DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $965 | — | $965 | 2.02% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | — | $619 | 1.30% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | — | $332 | 0.70% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $2 | $146 | 0.31% |
| STACIA ROBINSON3 | 6008 EAST SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.04% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $123 | $3K | 6.25% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE, STE 120 BIRMINGHAM, AL 352431909 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $95 | $3K | 8.80% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE, STE 120 BIRMINGHAM, AL 352431909 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.11% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $123 | $3K | 9.63% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE, STE 120 BIRMINGHAM, AL 352431909 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.84% |
| MICHAEL G. HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 5.48% |
| S S NESBITT & CO INC Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE, STE 120 BIRMINGHAM, AL 352431909 | HUMANA INSURANCE COMPANY | $937 | — | $937 | 4.52% |
| JOHN SUMNER3 | 10099 NELLE AVENUE UNIT 1003 PENSACOLA, FL 32507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | — | $564 | 2.85% |
| BENEFIT CONSULTANTS INC3 Filed as: BENEFIT CONSULTANTS, INC. | 2105 VESTIVIA LAKE DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | — | $274 | 1.38% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 1.34% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.61% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $2 | $47 | 0.24% |
| STACIA ROBINSON3 | 6008 EAST SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.08% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $335 | $14 | $349 | 9.18% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE, STE 120 BIRMINGHAM, AL 352431909 | METROPOLITAN LIFE INSURANCE COMPANY | $232 | — | $232 | 6.11% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | ALLIANCE INSURANCE GROUP LLC | $3K | — | $3K | — |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | ALLIANCE INSURANCE GROUP LLC | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 SERVICE PROVIDER | Contract Administrator Service code 13 | P.O. BOX 995 BIRMINGHAM, AL 352980001 | $134K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 122 | $21K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $44K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $32K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $38K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 375 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.